SPEAKER INDEX    CONTENTS   INSERTS   
BACA            33     34     35     36     37     48     49  
BAKER            1      5      6      8     11     15     18     22     26  
                30     31     32     38     40     44     47     49     51  
                54  
BIGGERT         44     45     46     47  
BULLARD         26     42     48     51     54  
CANTOR           8     30     32     33     36     40     43     46     53  
CLAY            49     50     51  
EMANUEL         51     53     54  
KANJORSKI        3  
LACKRITZ        15     41     44     45     46     50     53  
MCNEELA         22  
MEEKS           41     43  
OLIVAS          19     37     41     42     48     53     54  
OXLEY            5  
SCOTT            7  
SHERMAN         47  
TIBERI          11     38     39     40  
WILLIAMS        12     34     35     36     38     39     50     51  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF DIANA CANTOR, CHAIRMAN, EXECUTIVE BOARD, COLLEGE SAVINGS PLANS NETWORK
                                                                 PAGE     8

STATEMENT OF JACQUELINE WILLIAMS, EXECUTIVE DIRECTOR, OHIO TUITION TRUST AUTHORITY
                                                                 PAGE    12

STATEMENT OF MARC E. LACKRITZ, PRESIDENT, SECURITIES INDUSTRY ASSOCIATION
                                                                 PAGE    15

STATEMENT OF MICHAEL A. OLIVAS, WILLIAM B. BATES DISTINGUISHED CHAIR IN LAW AND DIRECTOR, 
INSTITUTE FOR HIGHER EDUCATION LAW AND GOVERNANCE, UNIVERSITY OF HOUSTON LAW CENTER
                                                                 PAGE    19

STATEMENT OF DANIEL MCNEELA, SENIOR ANALYST, MORNINGSTAR, INC.
                                                                 PAGE    22

STATEMENT OF MERCER E. BULLARD, PRESIDENT AND FOUNDER, FUND DEMOCRACY, INC., AND ASSISTANT 
PROFESSOR OF LAW, UNIVERSITY OF MISSISSIPPI SCHOOL OF LAW
                                                                 PAGE    26


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING